Quote:
Originally Posted by oldfriend
On those numbers have you included any [ forced ] or otherwise savings , retirement budget , vacation money , etc ?
Just didn't see it there , even the emergency fund
The times change , from one direction to another , and most of us don't even know beforehand
So it's allways a good thing , to have a box with something in , just in case
And I think that's one of the reasons so many people get in trouble so quick , soon after a big pursage .
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If your asking about me personally, yes, I have a cash emergency fund I keep in a safe, I'm lucky to have a solid job that allows me to put around $12,000 a year in my 401k, and my wife has a savings account that gets fed automatically from each pay. We run on a written budget and unless a true emergency comes up, we stick to the plan. But I know my limits, and a ZL1 or GT500 is not fitting in the plan. I can't afford a near $1000 third car payment and keep the system going that will allow for my goal of $1,000,000+ in my 401k to retire on. I also have all of the benefit options maxed out and that pulls about $600 a month from my pay. I could reduce the family benefits, but that's not a wise choice in my opinion just to buy myself a car that's out of my league. I'm selfish to a point, but I try to make sure I don't shoot my own foot off!
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